Mortgage Rates in Youngsville, Louisiana — March 2026
Updated March 2026 | Based on Youngsville market data and regional lending conditions
Youngsville is a growing city in Louisiana with a population of 14,032. The current 30-year fixed mortgage rate in Youngsville is 6.7%, which is 0.05% above the national average. With a median home price of $163,000 and a 20% down payment of $32,600, homebuyers can expect a monthly principal and interest payment of approximately $841.
Current Mortgage Rates in Youngsville, LA
Below are the current average mortgage rates available in the Youngsville area as of March 2026. Rates vary by lender, credit score, and loan-to-value ratio. Use our free calculator above to see your personalized estimate.
| Loan Type | Rate | National Avg | Difference |
|---|---|---|---|
| 30-Year Fixed | 6.7% | 6.65% | +0.05% |
| 15-Year Fixed | 5.95% | 5.89% | +0.06% |
| 5/1 ARM | 6.22% | 6.15% | +0.07% |
| FHA | 6.47% | 6.25% | +0.22% |
| VA | 6.22% | 6.05% | +0.17% |
| Jumbo | 6.95% | 6.85% | +0.1% |
Youngsville Housing Market Overview
The Youngsville housing market offers relatively affordable housing compared to many major cities. The median household income in Youngsville is $50,400, and the cost of living index is 85.4 (national average = 100). Based on the 28% affordability rule, the median income in Youngsville is sufficient to afford the median-priced home.
Monthly Payment Breakdown for Youngsville
Based on the median home price of $163,000 with 20% down ($32,600), here is what you can expect to pay monthly in Youngsville:
15-Year vs. 30-Year Mortgage in Youngsville
Choosing a 15-year mortgage in Youngsville at 5.95% instead of a 30-year at 6.7% would save you $105,300 in total interest over the life of the loan. However, your monthly payment would be $1,097 instead of $841 — an increase of $256 per month.
Calculate Your Youngsville Mortgage Payment
Use our free calculator to get a personalized estimate based on your loan amount, interest rate, and term.
Open Free CalculatorFrequently Asked Questions About Mortgages in Youngsville
What are the current mortgage rates in Youngsville, LA?
As of March 2026, the average 30-year fixed mortgage rate in Youngsville, Louisiana is 6.7%, while the 15-year fixed rate is 5.95%. FHA loans average 6.47% and VA loans 6.22%. These rates are 0.05% above the national average of 6.65%.
How much is a monthly mortgage payment in Youngsville?
Based on the median home price of $163,000 with 20% down, the estimated monthly mortgage payment in Youngsville is $841 for principal and interest. Including property taxes of $76/month, the total monthly housing cost is approximately $917.
What income do I need to buy a home in Youngsville?
Using the 28% rule, you would need an annual income of approximately $39,300 to afford the median-priced home in Youngsville at $163,000. The median household income in Youngsville is $50,400. The median income is currently sufficient to meet this threshold.
Is Youngsville a good place to buy a home in 2026?
Youngsville offers a below-average cost of living with a cost of living index of 85.4 (national average = 100). The property tax rate in Louisiana is 0.56%, which is below the national average. Youngsville has a population of 14,032 and offers a very affordable lifestyle.
Mortgage Rates in Other Louisiana Cities
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Last updated: March 2026. Rates are approximate averages based on regional lending data for the Youngsville, Louisiana area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.